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Nasdaq Trading Hours & Basics: How to Trade the Nasdaq 100

NEW YORK CITY - JAN 2: Times Square, New York street night life January 2, 2008, New York City. New York City, which is the largest and most populous city in the United States.

Anyone who is looking to find ways to use their money to make money has probably heard about the stock market. There are lots of different stock market exchanges to choose from. While the New York Stock Exchange is one of the most popular, another option is the NASDAQ Stock Exchange. The NASDAQ is a global electronic marketplace where investors are able to buy and sell different types of securities. In 1971, the NASDAQ Market was created by the National Association of Securities Dealers. The purpose of the NASDAQ is to enable investors to trade Securities using a fast, transparent, and computerized system. Also referred to as the NASDAQ Composite, this is an index that contains more than 3,000 stocks that are listed on the exchange. Some of the biggest companies in the world, including some from Hong Kong, are traded on the NASDAQ Stock Exchange. A few of the biggest examples include Intel, Amazon, Microsoft, Apple, Google, and Oracle. For this reason, anyone who would like to learn more about this stock market and the exchange should keep a few key points in mind.

NASDAQ Trading Hours: An Overview of Regular and Extended Hours Trading

When it comes to trading on the NASDAQ Stock Exchange,  it is important to know the market hours of the exchange. Like most other stock exchanges in the local area, the NASDAQ is open for six and a half hours per day. Regular trading hours takes place from 9:30 a.m. to 4 pm. There are also extended hours available as well. The extended hours trading takes place before and after the hours listed above. Pre-market extended hours take place from 4 a.m. to 9:30 am even though most pre market trading takes place closer to 9:30. After market hours trading takes place from 4 p.m. to 8 pm. This is a great opportunity for traders to buy or sell that last stock during an extended hours trading opportunity. In this manner, the NASDAQ provides added stock trading flexibility using additional hours trading sessions.

Even though most people are only able to place orders during normal trading hours or regular hours, there are also ways  for people to get approved to execute stock trading outside of regular hours. Those who are interested in swapping stocks outside of regular trading should speak to a professional about lengthening their trading day. Next, it is important for everyone to learn the different stock market order types of taking place on the NASDAQ.

The Types of Stock Market Orders Placed on the NASDAQ Composite

In general, when it comes to the NASDAQ exchange, there are two major types of orders that all traders and investors should keep in mind. They are referred to as a market order and a limit order.

Market Order

The most common type of order is the market order. In the eyes of most people, a market order is the most basic type of trade that could be executed. This is an order to either buy or sell a stock immediately and at the current price. If someone takes a look at the ticker symbol of one of the companies on the NASDAQ and likes the price, then he or she could place a market order to buy it immediately. In general, when people place an order for a stock, they are going to purchase that stock at or near the posted asking price. On the other hand, if someone is getting ready to sell a stock, then he or she is going to receive a price at or near the bid that has recently been posted.

It is important to note that the most recently traded price is not necessarily the price at which the market order is going to be carried out. While it is fast, if the market is particularly volatile, then the price at which the order is filled, or executed, could deviate from the most recently seen price. Therefore, market orders do not necessarily guarantee a price, but they do make sure that the order is carried out as quickly as possible.

On the whole, market orders are popular among individual investors who are trying to buy or sell a stock without experiencing any delays. The good news is that the NASDAQ is traded electronically, ensuring that orders are carried out as quickly as possible, even on Friday. The biggest advantage of trading using a market order is that the trade is guaranteed to be filled quickly. Even though the investor might not know the exact price at which the stock is going to be purchased or jettisons, market orders that are likely to trade tens of thousands of shares per day are going to receive prices that are very close to the post a bid or ask.

Limit Order

The other big category of order that someone might place on a NASDAQ is referred to as a limit order. Also called a pending order, this allows investors to place orders that are carried out at specified prices in the future. This order is not going to be carried out until the price of the stock reaches a specified level. If the price is not reached, then a limit order could end up expiring.

There are four different types of them at orders that someone might like. These include:

  • Buy Limit: A buy limit order is placed to purchase a security at or below a specified price. This means that the order is placed below the current bid of that specific stock. If a stock falls to that price, the order is carried out.
  • Sell Limit: A sell limit order is placed to sell a certain stock at or above a specified price. In order for this trade to be carried out, the order has to be placed above the current posted price. 
  • Buy Stop: This is an order that is placed to purchase a certain stock above the currently posted price. This stop order is only going to be placed once a certain price has been reached, also known as the stop level. 
  • Sell Stop: A sell stop order is an order to sell a stock at a price that is below the current price of the stock. This order is only going to become active once the specified stop level has been attained.

This is a brief overview of the various orders that someone might be able to place on the NASDAQ Stock Exchange. It is important to think about these orders carefully when deciding when to carry them out.

The NASDAQ Stock Exchange as an Investment Vehicle

Overall, the NASDAQ is a large stock exchange that has thousands of investment opportunities for investors. It is a good idea for investors to become familiar with the stocks that are traded on this stock exchange, as it is one of the biggest exchanges in the world. Those who are able to plan their Investments carefully have the opportunity to generate significant returns using the stock market.


4 Tips to Help You Start Your Online T-shirt Business


Basic t-shirts aren’t just something that you wear. These kinds of t-shirts are a great way to showcase your interests and personality. If you add fun designs on them, they sure do make a statement. This is why selling these types of t-shirts has become a profitable online business for many young entrepreneurs. You’d be surprised to find that the global market of this industry is expected to increase by a staggering $10 billion by the year 2025. If you have been thinking of starting an online business selling all kinds of t-shirts, then you should keep on reading to find out how you can make it a success story.

You Should Choose a Niche

If you’re working with a tight budget, having a niche when you start with your business should help you to make your business stand out. Moreover, it should ensure that you attract the right target audience. The thing is that a lot of people talk about having a niche, yet they don’t understand why it’s a crucial consideration to make when you’re starting a business. In any case, you don’t want to start a business that relies on broad categories if you want it to have an impact. It’s best if you focus on a specific category that you can use to sell to your desired target audience.

The following are some of the ways that you can use to find and evaluate a niche market for your business.

  • Assess the engagement around your category.
  • Use social media to gain a better insight into the size of your chosen niche.
  • Use search engines to find popular searches under your category for more inspiration.
  • Don’t forget to consider your interests alongside your audience.

Use Quality Materials

You don’t want to make the mistake of skimping over quality just because you’re selling basic t-shirts. If you want your brand to succeed, you should remember that quality remains a high priority. This means that the materials that you choose should be carefully sourced. Moreover, you should also ensure that your printing process can affect the quality of your t-shirts.

At the end of the day, the quality that you offer is a significant factor that contributes to your brand awareness. The quality of your t-shirts is dependent upon various elements. For instance, the fit, material, sizing, and softness are all the things that you should consider. This is why it’s always a great idea for you to get samples for your fabric supplier before you commit to anything.

Be Creative With the Designs

If you’re serious about grabbing the attention of any passersby with your t-shirts, you should think carefully about your designs. Creating a fast-selling design is easier once you have a niche that you’re focused on. Yet, hiring a graphic designer to create unique designs is the best way to make something that will turn heads. The good news is that there are various platforms that you can use to find a graphic designer to help you with this seemingly challenging part.

Set Up Your Store

Finally, now that you’ve done all the important things, you should be ready to set up your store. Before you do, you should ensure that you’ve put up mock images of your designs. This should help you to evaluate your potential audience engagement. By now you should’ve gotten through all the important considerations to get your store up and running. For example, your quality assurance shouldn’t be something that you should worry about days before you launch your store.

How to Implement E-Mail Marketing to Grow Your Local Business


Although email has been around a long time, it is still one of the best ways to market your products and grow your small business. We may spend as much time texting as sending emails, but people still pay attention to the emails they receive. Email marketing is here to stay and is cheap, and does not require advanced tech knowledge to implement.

Marketers still emphasize the importance of email marketing. Around 78% of marketers reported increases in conversions for email marketing campaigns.

The Advantages of Email Marketing

There are many advantages email marketing has over other methods. The benefits include:

  • Low Cost
  • Customizable
  • Reaching an Attentive Audience
  • Drives Traffic
  • Increases Conversions
  • Easy to Measure
  • User-Friendly

There is no need to buy social media ads or spend a lot of money on marketing with an email strategy. You just need to know how to write engaging emails, get to know your ideal customer, and create appealing funnels and incentives to increase engagement.

Email strategies are customizable. You can personalize your approach by segmenting your audience to specific needs, age groups, interests. Create different emails that will appeal to unique personas among your customer base. When marketing campaigns are customizable, they are more likely to appeal to customers and create conversions.

Email readers are already engaged to some extent. Once they have opened an email and are reading the content they are likely to click on links and visit your website. This is the way email marketing drives traffic and increases conversions in the form of symptoms and sales.

Email marketing does not require specialized technical knowledge and is user-friendly. There are many techniques to learn, including crafting emails and customizing strategies, but there is no need to be a tech whiz to master email marketing strategies.

Ways Email Marketing Can Grow Your Business

There are many ways your small business can grow with a solid email marketing strategy. Some of the advantages include:

  1. Promoting new products
  2. Building customer loyalty
  3. Generate traffic
  4. Build relationships with existing customers
  5. Inform the customers
  6. Segment audience

Emails allow you to go in-depth about your products. The text of an email can provide information about your service or product that you can’t convey through a social media post or an advertisement.

If you create a compelling email strategy, you can increase engagement, which develops customer loyalty, traffic, and conversions. Make emails something that your recipients look forward to. This means getting creative and writing relatable emails that entertain and provide valuable information.

Effective linking is essential in these emails because it can encourage readers to click and visit your site. The information you provide in the text of the emails can encourage conversions because it can give them a reason to buy what you are selling or subscribe to your service.

Unlike other types of advertising, email marketing builds an ongoing relationship with your customers. It is estimated that 65% to 70% of your customers are repeat customers. Therefore, sustaining those relationships with loyal customers through regular emails is key to encouraging additional purchases.

Keep in Touch with Your Best Customers with Email Marketing

Email is still one of the most reliable forms of marketing. Of course, it is important not to spam people, but 51% of consumers said they would like regular emails from their favorite brands. Building a community around your brand is a great way to generate more sales, and an email marketing strategy is one of the most effective and low-cost ways to start.

7 Most Common Causes of Bankruptcy in America


Bankruptcy is something most people want to avoid unless, of course, in deep debt, insolvency and bankruptcy are the only way to be released from the constant financial strain. The number of bankruptcies has increased steadily since the 1980s, and as of 2020, 522,808 people in the United States filed for bankruptcy. Of these, 97% are individuals, and only 3% are businesses.

Bankruptcy is a complex process, but it can be the best option for those who cannot pay their mounting bills. Once bankruptcy is filed, creditors are required to leave the debtor alone. The debtors will be given a reasonable repayment plan, and many of the debts can be forgiven. In addition, bankruptcy can enable people to retain their assets, including their homes, and eventually recover their credit.

The following are the top seven reasons people in the United States go bankrupt:

  1. Healthcare Costs
  2. Divorce
  3. Pay Cuts and Lay Offs
  4. Student Debt
  5. Spending Too Much
  6. Over-Reliance on Credit Cards
  7. Emergencies

One sad fact about bankruptcy is that medical expenses cause 62% of all bankruptcies. Soaring medical costs and medication for less common yet severe ailments can lead to people filing for bankruptcy. This is unfortunate because many of these conditions are not the fault of people struggling to secure life-saving medication. This statistic is yet another reason healthcare is such a hotly debated topic in US politics.

Divorce can create substantial instability in family structure and our emotional lives and can take its toll on both parties in the divorce. Women often make less money than men, and when their marriage dissolves, they may find that they have to find ways to increase their income while shouldering much of the childcare burden.

Although many women do receive child support, it may not cover their expenses. On the other hand, many men are expected to pay extremely high child support levels, even from spouses who can work. These men may find they cannot pay high child support payments while maintaining an apartment that is large enough to accommodate children when they come for visitation. Either of these scenarios can lead to bankruptcy.

Many companies want to cut costs and may do so by slashing wages or downsizing their workforce. In addition, the increasing instability of careers in the United States makes more workers vulnerable to debt. Workers who don’t have time for a side hustle or an additional part-time job may end up in debt.

It is estimated that 62% of college graduates have significant amounts of debt. Therefore, starting life in debt can lead to more debt. In addition, this situation can get young adults accustomed to debt as a way of life.

Although spending too much seems to be an apparent cause of bankruptcy, the fact is that excessive spending is the cause of only 5% of bankruptcies. Most people do not go bankrupt because of intentional extravagance, but usually from life circumstances.

US consumers rely on credit cards for a large proportion of transactions. It is easy to lose track of how much money is being spent on a credit card. In addition, credit cards can make indebtedness a habit. Many credit card companies provide big loans with extremely high rates of interest. This can get consumers started on the road to bankruptcy.

Finally, emergencies are a significant cause of bankruptcies. For example, the COVID-19 crisis caused many consumers to experience financial problems. Lockdowns led to work stoppages, job losses, and the shuttering of small businesses. Similar emergencies can cause massive debt, which ultimately drives people to file bankruptcy.

Contrary to widespread belief, bankruptcy is often not the result of shopping addictions, overindulgence, or a lack of concern about indebtedness. Instead, medical expenses, emergencies, divorce, and other life events can lead to bankruptcy. Understanding that bankruptcy can happen to virtually anyone should help people take steps to prevent it.

5 Tech Trends You Can’t Afford to Ignore as a Business Owner


The COVID-19 pandemic has forced the world to shift, which has created and demanded new opportunities and technological advances. The US tech market has fared well despite the pandemic, where it remains the largest tech market in the world and represents 32% of the total market. This amounts to it being valued at approximately $1.7 trillion for 2020. 

Some of these technological trends have been in development for years, while some have been the product of the pandemic. This article will explore five tech trends for entrepreneurs looking to form businesses in the tech field and for business owners who already have well-established businesses looking to expand and take advantage of new trends. 

AI incorporation

Although Artificial Intelligence (AI) is not a new concept, it is still an important trend. AI is ever-changing as it is still in its developing stages, and is projected to grow into a $190 billion industry by 2025 while creating 9% of new US jobs. Already known for its dominance in image and speech recognition, navigation apps, smartphone personal assistants, and ride-sharing apps, AI has become the focus for almost 50% of startup applications. Recent trends show that AI is becoming part of household technology and many other products, services, and offerings. According to MassChallenge, AI will drive the meaningful next wave of disruption similar to software. This advancement has offered business owners the opportunity to take advantage of the range of benefits. This has also provided the opportunity for entrepreneurs to improve on current technology and solve issues in development, programming, testing, support, and maintenance to compete with competitors. Some entrepreneurs may want to venture alone and form a sole proprietorship, while others wish to join forces and create a general partnership. Entrepreneurs can use the information provided by Incorporation Rocket and click here to find out about business formation options.

e-Commerce Personalization

e-Commerce personalization is likely to become an e-Commerce standard seeing that customer expectations constantly rise. The key to successful personalization is customer satisfaction. A personalized customer experience allows an excellent shopping experience with the ability for business owners to connect with their customers more. According to figures produced by Deloitte, Evergage, and BCG, have given marketers the realization that businesses that do not offer personalization will lose revenue and loyalty. For businesses to thrive, they need a supportive client base. By showing clients that the business cares about them, they would be able to achieve this. 

VR and AR

Virtual Reality (VR) and Augmented Reality (AR) operate where VR immerses the user in a specific environment while AR enhances it. Globally, the VR and AR market is expected to be worth $209.2 billion by 2022. This growth would only offer more opportunities to businesses in tech fields. This technology, which has been dominating the gaming industry, has started being used for training purposes. VirtualShip, which is a simulation software used to train U.S. Navy, Army and Coast Guard ship captains, have used VR and AR. This trend is expected to be integrated into more than just gaming and training, eventually affecting general life. VR and AR has potential to be incorporated in entertainment, education, marketing, and even injury rehabilitation. 


The need for higher speed internet and well-connected homes has been the driving force behind the advancement of 5G, regardless of the conspiracies around it and its ‘connections’ to COVID-19. 5G is expected to be used in factories, HD cameras that help improve safety and traffic management, smart grid control and smart retail. Companies like Verizon have announced the expansion of their 5G network in late 2021 and Ericsson, in China, has been rapidly deploying 5G. The expansion of 5G has been an opportunity for businesses to use it within their services. A startup called Movandi has been focused to help 5G transfer data at larger distances. A startup named Nido Robotics uses 5G networks to assist drones to successfully navigate and explore the seafloor. 


Robotic Process Automation (RPA) is the use of software to automate business processes. Examples of these processes are the interpretation of applications, processing transactions, and data handling. The use of RPA uses automation to take care of repetitive tasks that people have had to do. The use of RPA has been questioned, seeing that Forrester Research has estimated that the use of RPA would threaten the jobs of 230 million people, which is roughly 9% of the global workforce. But McKinsey has found that less than 5% of jobs are able to be fully automated. But despite the fact that it may threaten jobs, it also offers opportunities for new jobs. Examples of these new jobs would be developers, project managers, business analysts, solution architects, and consultants. 

The Takeaway

Many of these mentioned tech trends have grown throughout 2021 and are continuing to do so. For many businesses,using AI, e-Commerce personalization, VR and AR, 5G or RPA  offers a huge opportunity to launch themselves into success.

Eliminating Outstanding Debt: 4 Ways to Eat Away At Your Debt and Jump-start Your Savings


We all have some form of debt that likes to haunt us from time to time. Whether it is an outstanding credit card debt that is a steady reminder on your credit report or outstanding bills that have gone unpaid, getting this debt removed is critical to your financial health. Here are four ways to work towards paying down that debt over the next couple of years and jump-starting your savings.

1. Create A Passive Income

The best way to work towards paying down debt is to supplement your income with passive income. Of course, not all income is equal, and there is the passive income option that will give you an income that doesn’t take up any of your time while supplementing your bank account each month. Passive income requires you to often invest a little bit of funding into stocks or real estate, but your money will start to work for you.

2. Strategize Which Accounts Are Paid First

If you have lingering debt, chances are there is more than one account, and it is best to tackle this debt one account at a time. While you need to maintain minimum payments on your debt, make sure you put the additional funds towards the smaller amounts first to pay them off quicker. If all of your accounts have similar balances, shift your attention to the highest interest rates, targeting them first. This will reduce the overall amount that you pay in interest. Once they have been eliminated, you can move forward to the next account, continuing that trend until the debt is gone. Your credit report will thank you for this method.

3. Consolidation Is Your Friend

You could qualify for a debt consolidation loan if your credit is still relatively good despite the outstanding debt. This allows you to take advantage of bringing all your debt together under one loan and making one single payment each month until the debt is paid. You can use this loan to pay off your credit card debt from multiple cards. A bonus is that all of your credit will go back on your credit cards, boosting your credit score and making repayment easy with it being in one place.

4. Develop A Monthly Budget

You generated the outstanding debt in the first place because your budget was non-existent or not appropriately made. As you pay down your debt, you mustn’t go back and replenish that debt, restarting the cycle. Create a budget that allows you to cover your expenses and apply a portion of your income to this outstanding debt. Remember that any supplemental income you are generating should also be applied directly to this debt. Once you have paid the debt in full, you can start applying additional funds to your savings so that you can build it up for financial stability.

Patience Is Key

Eliminating the unwanted debt over time is not something that happens overnight. There is a level of discipline and patience required to eliminate this debt and generate healthy savings after. In addition, taking advantage of multiple streams of income, such as passive income options, can give you more room to meet your goals and hopefully meet them faster. By combining all of these different tips, you could be debt-free much sooner than you think.


Best Town to Live For Seafood Lovers?


Among the top reasons why most people travel is to have a great culinary experience. So if you’re a seafood lover seeking local delicacies you’ll hardly find at home, you may want to consider destinations with seafood sourced from the local waterways.

So, whether you have cravings for crabs or a penchant for prawns, this guide explores some of the best places to try out seafood. Here are a few you should know.

San Francisco, California

San Francisco is popular because of its history as a fishing port as well as its diverse restaurants. Ensure to visit the popular restaurants like the Swan Oyster Depot and try out their famous cioppino, Dungeness crab, and Tadich grill. Also, don’t forget to try out culinary hotspots like the Liholiho Yacht Club and Petit Crenn and try out seafood from Asia, Hawaii, and more.

Murrells Inlet, South Carolina

Murrells Inlet boasts of some of the best seafood restaurants in the United States. If you’re looking for the best fried shrimp, grilled salmon, or crab legs, be sure to try out the Inlet Crab House. This restaurant serves excellent seafood with a southern and Caribbean twist — top of the delicacies to try out. On your visit to Murrells Inlet in South Carolina, Saltwater Creek is a top restaurant worth visiting.

This place serves some of the best twists of the American classics, like the crab cake on a potato bun. It’s also worth trying out the Gulfstream Café, open-air dining that serves the best jumbo lump crab and lobster tail.


Charleston is a great destination to visit as a seafood lover because fishing has been an integral part of the town’s success for over 350 years. One of the famous restaurants in the area is the Hanks Seafood, popular for its locally sourced shellfish.

Other restaurants worth trying out include the Pearlz Oyster Bar, Blossom, and 82 Queen. Some of the best dishes to order at this destination include crab cakes, Charleston Scallops, Fried Oyster, and Crab Soup with hushpuppies.


As a seasoned traveler, you probably are familiar with acclaimed seafood restaurants like Salmon Bay and the RockCreek. These restaurants serve some of the best Dungeness crabs, pristine oysters, and a comprehensive menu of fish dishes. However, if you want takeout to enjoy with your family, make sure that you visit the Pike Place Fish Market and enjoy fresh seafood.

Baltimore, Maryland

This destination is famous for its remarkable collection of seafood like scallops, oysters, clams, and crabs. This town is also home to some of the best old-school seafood spots, such as Jimmy’s Seafood Restaurant, Fiddleys Seafood, popularly known for their lump crab cake. The other place worth checking out is Dylan’s Oyster Celler, a restaurant famous for its regional oyster.

New Orleans

As a seafood lover, New Orleans is a great destination to live in because of the diversity of seafood that includes dishes such as the Oyster Rockefeller, Cajun Seafood Gumbo, Creole Jambalaya, and Seafood Etouffee. You can find these seafood options in different upscale restaurants in New Orleans like the Commander’s Palace, Bourbon House, Louisiana Kitchen, and the GW Fins.

If you’re searching for more affordable options, you should consider places such as the NOLA Po-Boys, Dooky Chase Restaurant, and the Acme Oyster House.

Final Thoughts

Seafood is a highly beloved food across the United States. So, if you’re a seafood lover searching for the best places to live, the few highlighted in this guide offer a wide range of options. Besides the diversity of restaurants that offer seafood worldwide, these places are popular fishing destinations.


How Operational Analytics Can Shift Focus

technology and advertisement concept - laptop computer with graph on screen

Operational analytics is a segment of business analytics that shifts the focus away from merely understanding data that has emerged from several software systems to going a step further and getting that data to operate automatically inside the tools used to keep a business running smoothly.

With data analysis and business intelligence, operational analytics measures real-time and existing operations inside an organization to improve daily activities and make it possible to execute instant decisions based on a steady flow of real-time data.

In this modern age when technology is constantly emerging, companies’ importance to understand how to use their data effectively is a premium asset.

Data must remain secure and protected. But it also needs to be analyzed internally from operational processes to create valuable opportunities for the business.

When big data was in its infancy, the focus was centered around customer experience. Now we see data drift towards company operational performance.

The core differentiator behind operational analytics is data accessibility. Operational analytics democratizes data across organizations so that non-data teams can leverage that information in the tools they use day in and day out.

By pushing the data back into the native tools of the end-users, businesses establish a single source of truth across the entire organization because every data source showcases the most recent and updated version of the data. This means that different business teams will always be aligned and working towards the same goal and contributing to the organization’s success.

Learn what operational analytics can do to expand your business objectives.

1. Effective decisions

Businesses that want to become consultants who let their data speak on their choices benefit from operational analytics. With the rapid delivery rate of data, making cutting-edge decisions that speak to what is working right now instead of last year’s results can prevent the bottom from falling out from under a company’s efforts by reacting in real-time.

2. Profit increases

All across the world, companies are looking for ways to reduce the cost of doing business. Armed with operational analytics, these establishments can locate major and minor problems that are in dire need of being addressed to save substantial amounts of money and to keep profits surging upwards. Profitability keeps a company able to scale and expand while remaining competitive.

3. Satisfy the customer

If there are no customers to service, then there is no business to run. Operational analysis can work incredibly well to assist in the area of customer satisfaction. Under normal circumstances, it could take months to identify whatever might be pushing customers away. But with operational analytics, the source of performance highs and lows can be determined immediately and adjusted accordingly.

4. Keep data streamlined

It is not good to have all your business data, IT data, and security data scattered. However, having it all in one manageable place to spot problems and difficulties as they occur makes it easier to create backups and recoveries for all data to ensure its safety. In addition, operational analytics provides the ability to share recent and relevant data with other employees.

5. Stay ahead of the competition

Using cognitive computing, computerized models that can simulate the human thought process in complex situations, businesses can operate with stronger intentionality by having a deeper perception of their data. As a result, it is much easier to remain ahead of your industry competitors when analyzing customer and operational data.

6. Employee engagement

Access to data insights encourages employees to engage with their employer and become empowered to offer their insights into current productivity circumstances.

Promoting collaboration within the company through the transparency of operational data makes it more apparent to everyone involved what needs to be done to make the business stronger.

Operational processes are a highly critical factor in ensuring the effective delivery of your service or product to consumers. With social media and digital applications for any possible task directly on our cell phones, the need for improved customer satisfaction and instant gratification continues to grow. When customers are not happy, they have the means to make the world know that your company is responsible.

Operational analytics can combine business analysis, process design capabilities, and data analysis to reduce cost and streamline your operations. Therefore there is no reason to allow siloed data sets or trouble accessing third-party data to be a reason to delay getting involved in operational analytics. Instead, use makes your operational data to your advantage and reap the long-term rewards.

How to Start Investing In Real Estate on A Limited Budget

Munich Viktualienmarkt. Customers at the famous green market Viktualienmarkt in the center of Munich. Traditional Maypole to the right.

Real estate investments are attractive: They are relatively safe (compared to stock market volatility, for example), they provide a steady cash flow (some other investments may yield no dividends for years), and they offer strong odds in favor of capital gains. But is it possible to start investing in real estate on a limited budget?

It is possible to start investing in real estate on a limited budget. Many possibilities exist seller financing, lease options, property syndications, special US Government Schemes, and several other ways, too.

Coming from a background of stock market investing and derivatives trading, I thought that real estate investments are out of my reach because it is so expensive. I was amazed to discover how many ways there are to overcome this challenge. Read on – and I will share some of my discoveries with you!

The Taxpayer’s Money

One of the first discoveries I made, was how many ways taxpayers are willing to make their hard-earned cash available for me to own real estate.

Here we will discuss two potential sources: United States Department of Agriculture (USDA) loans, and Small Business Administration (SBA) loans. (Numerous other opportunities are available. For these, visit the “fortune builders” website referenced below).

The USDA Rural Development Office would like to fill under-populated rural areas – ideally towns with a population of 10,000 or less. To get a bigger picture, this represents only 3% of the USA – 97% is secured. Mortgages have down payments as low as 0%!

The loans are available to low, and moderate-income earners who may otherwise not qualify for mortgages.

To check which areas qualify for this loan, see here:

Read their terms and conditions. Note that these loans are for rural and suburban homeowners.

Another possibility here is to investigate Business Administration loans. Where the USDA loans are for homeowners, the SBA loans are aimed at acquiring commercial property.

The SBA does not lend the money directly but works through other lenders who then require down payments as low as 10% for purchases relating to owner-occupied premises. The SBA 504 loan facility ranges from $100,000 to $20 million.

This money can be used to buy buildings, finance ground-up construction, or improvements.

For more information, you can visit

Real Estate Investment Trust (REIT)

REITs offer the opportunity to invest in real estate – but on the stock market. With over 200 REITs on the stock market, choices are abundant.

But there is more! If you do not want to put all your disposable income in a single REIT, there is another option: the Exchange Traded Fund (ETF).

An ETF is a fund that holds an interest in multiple asset classes, and as such, you may gain exposure to several different companies at the same time. This is important because it spreads your risk over several different entities.

For more information you may want to visit:

Online Real Estate Investing Platform

  • These platforms connect real estate developers to investors who want to finance projects, either through debt or equity.
  • Investors hope to receive monthly or quarterly distributions in exchange for taking on a significant amount of risk and paying a fee to the platform.
  • Like many real estate investments, these are speculative and illiquid — you can’t easily unload them the way you can trade a stock.
  • Alternatives for those who can’t meet the high qualifying criteria of some online investment platforms include Fundraise Realty Mogul.

For more information on this option you can visit:

Seller Financing and Lease Options

Those who are successful in Real Estate Investment tend to agree on one principle: Use someone else’s money to invest.

Seller financing and lease options are mechanisms  (apart from using the Taxpayer’s money) in which you can – in a way – invest in real estate without money of your own.

Seller financing is the opposite process of conventional real estate transactions, where the buyers will provide the sellers with the cash, to gain ownership of the property.

With a purchase money mortgage (or seller financing), the seller extends finances to the buyer. The buyers will then repay the sellers, for the agreed terms.

Lease Options are when the property owner charges the buyer a monthly or yearly premium, in the form of higher rental payments.

The excess rental fee is channeled towards the purchase price, meaning the investor can purchase an investment real estate using a slightly higher rental fee.

Both seller financing and lease options are excellent ways to invest in real estate with no money at all.

Other Options

Many other opportunities to invest in real estate on a limited budget have developed over the years. These include:

  • House hacking. You as property owner live in a part of your house, while you rent out the remaining parts. This way your house becomes an income-generating asset.
  • House flipping: Buy under-valued properties, renovate, and flip them for a higher price. This requires experience, as the turnaround time, while repaying the mortgage at the same time impact directly on your cost and revenue calculations.
  • Airbnb: If you have additional space in your home, a garage apartment, or in-law suite, you could rent that space out as a short-term rental. The additional income could help offset some expenses of homeownership or help pay off any mortgage debt at a faster rate.
  • Property syndication: Also known as private equity partnership is when a group of people “club together” to make a real estate investment. The more members in the club, the lower the individual contribution becomes.
  • Option to buy: Here the buyer takes an option to buy the property, without taking ownership immediately. This makes it possible to either sell the option to a new buyer or to take ownership of the property and then sell it to the new buyer.

Each of these methods requires its research, and it is not recommended that anyone take the plunge before acquiring the necessary skills set associated with a particular approach!


While real estate investment is known as the “ Billionaire’s Ballgame”, those investors with a limited budget are not excluded from real estate investment by any means; opportunities abound!

It does, however, take a bit of research to find the nuggets. The good news is that information is freely and abundantly available. To this end, a few references are provided below.

Happy hunting!


How Long Has MPC Been Around?


MPC is short for multi-party computation, a cryptographic technology that allows shared information while maintaining data privacy. MPC improves traditional cryptographic technology because the involved parties can have data processed without involving a third party. In addition, data can only be accessed when all key fragment holders get together, meaning that no single person can access the data.

How long has MPC been around?

MPC was first launched in 1982, with a basic form of encrypted messages sent between two parties. 2PC launched the official MPC engine in 1982, which marked the start of the MPC journey. While MPC has been around for a few decades now, it only recently became an integral part of the digital asset space. Due to the privacy and accuracy aspects of MPC, it is an excellent technology for MPC wallet providers of digital assets.

Why is MPC Becoming the standard for Digital Assets?
Digital assets have both a private and a public key. To keep your assets secure, you need to ensure that your private key is kept confidential. Once someone else has access to your private key, they can also access your digital assets and transfer them to your wallet. Many hacking scams involve accidentally giving up access to your private keys, compromising your asset’s security, and allowing the hacker to empty your crypto account.

There are three main ways to store your keys:

Hot Storage – where the private key is held online.
Cold Storage – where the private key is kept offline.
Hardware Wallet – where the private key is stored offline on a physical device.

All three options have pros and cons, but the hardware wallet is considered the most secure option, especially if you have more significant amounts of crypto assets to protect. Hardware wallets do have a cost associated with buying them, and that amount will depend considerably on the option you choose. Still, for more significant amounts of Cryptocurrency, it is worth it to have the extra security. The good thing about a hardware wallet is there is also a seed phrase, so if for some reason you accidentally lose the physical wallet, you can access the crypto via your secure seed phrase. 

MPC allows Cryptocurrency to function without a third party, which is a big part of the fundamentals of cryptocurrencies. Many cryptocurrencies were created as an alternative to traditional banking systems, and so this function of MPC allows them to operate as intended.

While MPC has been around for almost three decades now, it has become more prevalent with the invention of cryptocurrencies. 

What Skills to Look for When Searching for Technical Sales Talent


If your company is looking to onboard some new technical sales talent, you’re going to want to narrow down what skill sets you need most in your sales team. Ensuring you hire the right people for your company can mean the difference between barely reaching annual targets and completely shattering them. Some of the critical skills to look for when interviewing new potential sales team members are self-motivation, trainability, and whether or not they’re goal orientated. If you’re interested in learning more about how you can spot these skills in potential candidates, read on to learn more.

Self Motivation
If you’ve worked in sales, then you know how ruthless it can be. Keeping going requires a lot of self-motivation if you’ve received a few disinterested results from potential clients. That’s why as far as the skills I suggest looking for, self-motivation is right at the top of the list. You can generally learn about a potential candidate’s self-motivation by asking questions about their personal life, such as their hobbies. You can also directly ask them whether they’re self-motivated, and for an example of that. If you’re worried about telling if a candidate is self-motivated, you can use a recruitment agency like Culver technical sales to help you recruit your new team members.

Sales is a constantly evolving field, and as we learn more about best practices for selling, we need sales team members who thrive on learning more. Sometimes it can be tempting to hire someone with a lot of experience. Still, you need to strike a balance between someone who has considerable experience but who’s also open to learning new things and undergoing training. Because things are changing so fast during our lifetime in terms of technology and implementation, trainability is one of the most critical skill sets to look for in new hires.

Goal Orientated
Most sales situations rely on the salesperson being goal-orientated to meet monthly targets and ensure the company is reaching its sales potential. It can be tiring, even exhausting, trying to meet goals month after month, so it is better to find candidates who thrive on this challenge. Many out there love the pursuit of the goal and enjoy the dopamine hit when they’ve achieved it. People who thrive in a goal-orientated setting generally tend to be more successful salespeople because it gives them an extra layer of motivation to reach targets.

If you’re looking to find new technical sales talent, you can either bring in the professionals to curate a list of ideal candidates or use these skill sets to filter through the options available to you.